10 Best Pet Insurance Providers in the USA for 2025

As pet ownership continues to grow in the United States, so does the demand for pet insurance. With millions of families choosing to bring pets into their homes, the importance of ensuring their well-being cannot be overstated. Pet insurance offers coverage for medical expenses related to your pet's health, and can save you from overwhelming financial burden due to unexpected health conditions or accidents.

In this detailed guide, we explore the 10 best pet insurance providers in the USA for 2025. These companies offer comprehensive policies that cater to different needs, from general health coverage to specialized plans for certain breeds or conditions.

---

1. Trupanion

Overview:

Trupanion is one of the most popular pet insurance providers in the United States, known for its straightforward policies and fast claims process. Established in 2000, Trupanion offers comprehensive health insurance for cats and dogs, covering both accidents and illnesses.

Key Features:

• Coverage: Trupanion offers a simple, comprehensive plan that covers accidents, illnesses, surgeries, medications, and diagnostics. They also cover congenital conditions that your pet may be born with.

• Payout: They provide 100% reimbursement with no payout limits, making it a great choice for pets with long-term health issues or expensive conditions.

• Claim Process: Trupanion's claim process is unique, as veterinarians can be paid directly, meaning you don’t have to pay upfront and wait for reimbursement.

Pros:

• No payout limits

• Direct payments to vets

• Covers congenital and hereditary conditions

• 24/7 support

Cons:

• Only one plan option (no customization)

• Higher premiums for older pets

---

2. Healthy Paws

Overview:

Healthy Paws is known for offering one of the most flexible pet insurance plans in the industry. Founded in 2009, the company has grown rapidly and is now one of the leading choices for pet insurance.

Key Features:

• Coverage: Healthy Paws covers accidents, illnesses, cancer, surgery, and emergency care. They also cover alternative treatments such as acupuncture, chiropractic care, and hydrotherapy.

• Payout: Healthy Paws offers unlimited lifetime benefits with no annual or per-incident caps.

• Customer Satisfaction: Healthy Paws boasts a high customer satisfaction rating, with a quick and easy claims process.

Pros:

• Unlimited lifetime benefits

• Covers holistic and alternative therapies

• 24/7 claims processing

Cons:

• Does not offer wellness or routine care coverage

• Premiums can be expensive for older pets

---

3. Lemonade Pet Insurance

Overview:

Lemonade is a relatively new player in the pet insurance market, but it has made waves due to its modern approach and competitive pricing. Lemonade is an AI-driven insurance company that offers fast, affordable coverage for dogs and cats.

Key Features:

• Coverage: Lemonade offers flexible plans that can cover accidents, illnesses, surgery, and emergency care. They also offer a wellness plan that includes routine care like vaccinations and flea prevention.

• Payout: Lemonade offers annual payout limits, and their policies are customizable with various deductible and reimbursement options.

• Technology: As a tech-first company, Lemonade offers a user-friendly app for easy claims filing and management.

Pros:

• Affordable premiums

• Fast and easy claims process via the app

• Wellness plan options available

Cons:

• Limited customer support compared to other providers

• Annual payout limits may not suit high-risk pets

---

4. Petplan

Overview:

Petplan is one of the oldest pet insurance companies in the U.S. and has built a solid reputation for its comprehensive coverage. The company has been providing insurance since 1977 and is known for its broad coverage options.

Key Features:

• Coverage: Petplan covers accidents, illnesses, dental care, hereditary conditions, and chronic illnesses. Their plans are highly customizable, with varying deductible and reimbursement options.

• Payout: Petplan has no payout limits on claims, which is particularly beneficial for pets with ongoing health problems.

• Customer Service: Petplan offers excellent customer service, with knowledgeable agents available to help policyholders navigate their plans.

Pros:

• Extensive coverage options

• No payout limits

• Customizable plans

Cons:

• Higher premiums for pets with pre-existing conditions

• No wellness plan available

---

5. Nationwide Pet Insurance

Overview:

Nationwide is one of the largest pet insurance providers in the U.S. and offers a variety of pet insurance options. They have been insuring pets since 1982, and their large scale allows them to offer competitive rates.

Key Features:

• Coverage: Nationwide offers comprehensive plans, including accident, illness, wellness, and even pet pharmacy plans. They also cover hereditary and congenital conditions.

• Payout: Nationwide has annual payout limits, and they provide a choice of deductibles and reimbursement options.

• Customer Satisfaction: Nationwide has a solid reputation for excellent customer service, though claims can take longer to process compared to other insurers.

Pros:

• Comprehensive coverage, including wellness plans

• Large network of vets

• Long-standing reputation

Cons:

• Claims processing can be slow

• Higher premiums for older pets

---

6. Figo Pet Insurance

Overview:

Figo Pet Insurance is a modern and customer-centric insurer known for its fast claims processing and affordable premiums. The company offers a variety of pet insurance options, including comprehensive and accident-only coverage.

Key Features:

• Coverage: Figo covers accidents, illnesses, surgeries, cancer treatment, and emergency care. They also offer coverage for hereditary conditions and alternative treatments.

• Payout: Figo offers unlimited annual payout limits with customizable reimbursement options, making it a flexible choice for many pet owners.

• Technology: Figo offers a unique cloud-based platform, which allows users to easily file claims and track them via their mobile app.

Pros:

• Unlimited annual payouts

• Affordable premiums for younger pets

• Cloud-based platform for easy management

Cons:

• Limited coverage for wellness and preventative care

• Premiums can increase as your pet ages

---

7. ASPCA Pet Health Insurance

Overview:

The ASPCA is a well-known animal welfare organization that offers pet insurance plans. ASPCA Pet Health Insurance is a trusted option that provides comprehensive coverage for dogs and cats.

Key Features:

• Coverage: ASPCA offers coverage for accidents, illnesses, surgery, medications, and emergency care. They also cover chronic conditions, cancer, and hereditary issues.

• Payout: ASPCA’s policies come with customizable reimbursement options and no payout limits on most plans.

• Special Benefits: They offer coverage for preventive care and wellness plans as add-ons, which cover vaccinations, flea prevention, and annual exams.

Pros:

• Wellness coverage options

• No payout limits on most plans

• A variety of plan options

Cons:

• Higher premiums compared to some competitors

• Limited options for older pets

---

8. Pets Best

Overview:

Pets Best is known for offering flexible plans at competitive rates. It has a strong reputation for customer service and is known for its fast claims process.

Key Features:

• Coverage: Pets Best offers a range of coverage, including accidents, illnesses, surgeries, and emergency care. They also cover alternative therapies like acupuncture and chiropractic care.

• Payout: Pets Best offers plans with no annual payout limits and varying levels of reimbursement.

• Customer Support: The company has excellent customer support, and their claims process is quick and easy to navigate.

Pros:

• Competitive premiums

• Fast claims processing

• Alternative treatment coverage

Cons:

• No wellness plans

• May not cover all congenital conditions

---

9. Embrace Pet Insurance

Overview:

Embrace Pet Insurance is known for offering customizable plans and affordable premiums, making it a good choice for pet owners on a budget. Embrace has been providing pet insurance since 2003.

Key Features:

• Coverage: Embrace covers accidents, illnesses, surgeries, medications, and cancer treatments. They also offer coverage for hereditary and congenital conditions.

• Payout: Embrace provides comprehensive coverage with unlimited annual payout options.

• Unique Benefit: Embrace offers a diminishing deductible, where your deductible decreases every year you don’t make a claim.

Pros:

• Customizable plans with options for older pets

• Diminishing deductible feature

• Comprehensive coverage options

Cons:

• Premiums can increase significantly as pets age

• Limited wellness coverage

---

10. Banfield Pet Hospital

Overview:

Banfield Pet Hospital offers pet insurance through its extensive network of veterinary clinics. While it is primarily a provider of wellness plans, it also offers accident and illness coverage.

Key Features:

• Coverage: Banfield offers coverage for both wellness care and emergency services. However, they do not cover pre-existing conditions.

• Payout: Banfield offers flexible coverage options with varying deductibles and annual payout limits.

• Network: Banfield has a large network of hospitals, making it convenient for pet owners to access care.

Pros:

• Extensive network of clinics

• Affordable premiums for wellness care

• Flexible coverage options

Cons:

• Does not cover pre-existing conditions

• Limited coverage for chronic or hereditary issues

---

Conclusion

Pet insurance is essential to ensuring your pet gets the care they need, without placing a strain on your finances. Whether you have a young, healthy pet or an older one with special needs, the companies above offer a range of options to suit different budgets and pet care requirements.

When selecting a pet insurance provider, consider the following:

• Your pet’s age and breed

• Your budget and the premiums you can afford

• The level of coverage you need, including any specific treatments or conditions

By doing thorough research and comparing options, you can ensure your furry friend is covered for the unexpected, allowing you both to enjoy many happy years together.